Objective achievement portfolio generating device, program, and method

ABSTRACT

Device, program and method to generate a single portfolio assuming a plurality of targets as a specific objective of investment management. An investment management assistance server generates, based on input information, portfolio information for suggesting investment management for objective achievement set by a customer and includes: an objective displayer that displays predetermined objective information selectable by a customer through an input operation; an interview displayer that displays predetermined interview information to which the customer is allowed to respond through an input operation; and a portfolio generation/displayer that generates predetermined portfolio information based on the objective information and interview information which are selected and responded to through an input operation, and causing a customer terminal to display the predetermined portfolio information in a visually recognized manner.

TECHNICAL FIELD

The present invention relates to a technique for assisting investmentand management of financial products. In particular, the presentinvention relates to an objective achievement portfolio generatingdevice that is effective when applied to an investment managementsuggestion system for assisting operations for a financial institutionor the like to give an advice or suggestion on an investment of aninvestor, and a program and a method used therefor.

BACKGROUND ART

In general, financial institutions, such as banks and securities firms,offer services to give an advice, a suggestion, and the like on aninvestment or investment management for an individual investor or thelike, and a mechanism for assisting such operations using an informationprocessing system has been proposed.

In recent years, an asset management service called “robo-advisor” forautomatically performing assistance for investment or management,management of portfolios, and the like has been widely used in Europeand the United States.

As a “robo-advisor” service, for example, a service(https://www.hedgeable.com/) provided by Hedgeable, Inc. (U.S.) isknown.

In such a “robo-advisor” service, when a customer responds to somequestions about an investment objective, a management policy, an assetsituation, and the like through a web application screen, a recommendedportfolio suitable for the customer is presented depending on thecontent of the responses. Further, when the customer selects theinvestment management to be applied according to the portfolio, thecustomer's assets are automatically managed in accordance with theportfolio.

As a technique related to a suggestion of a recommended portfolio or anautomatic management in accordance with a portfolio, for example, PatentLiterature 1 discloses a method for presenting a portfolio including acombination of a plurality of financial products for a predeterminedmanagement period.

In the method described in Patent Literature 1, a plurality of marketprice fluctuation scenarios associated with products is systematicallyset in advance, and a simulation of profit and loss in the future foreach of the plurality of fluctuation scenarios is made using a parameterrepresenting a fluctuation scenario and a parameter representing amarket characteristic. Then, an optimum portfolio is constructed from aset of narrowed down portfolios and the optimum portfolio is presented.

In addition, for example, Patent Literature 2 proposes a system in whichrisk tolerance data indicating a risk allowance level of an investor andan investment selection criterion are received from a user terminal, alist of investment destinations for including portfolios to be rankedaccording to the investment selection criterion is generated anddisplayed on the user terminal, thereby constructing a portfolio.

In addition, for example, Patent Literature 3 proposes a portfolioautomatic management system capable of automatically sending aninstruction for trading according to a portfolio management algorithm.

CITATION LIST Patent Literature

-   Patent Literature 1: Patent Literature 1: JP 2000-293569 A-   Patent Literature 2: Patent Literature 2: JP 2014-525062 A-   Patent Literature 3: Patent Literature 3: JP 2008-243158 A

SUMMARY OF INVENTION Technical Problem

However, the systems that provide a recommended portfolio as describedabove merely suggest a management plan by simply applying predeterminedrules or the like for one or two or more financial products. There is nosystem that presents a plan with a specific objective, purpose, or goalfor adopting the management plan.

An investment or investment management to be performed by investors,particularly, individual investors may be performed simply for thepurpose of accumulation of interest. However, many investors consider aninvestment assuming a more specific objective or goal.

For example, some investors may consider an investment management with aspecific objective or dream, such as saving a certain amount of money asa down payment to be used in several years to purchase a real estate inthe future according to the life stage, or saving of money for a downpayment to purchase a luxury automobile.

The number of specific objectives or goals for the investment managementis not limited to one. A plurality of objectives, such as a real estateand an automobile, and retirement and a travel, is assumed in manycases.

However, in the techniques disclosed in Patent Literatures 1 to 3described above, a combination of vague financial products or arecommended portfolio is simply presented, and it has been difficult tosuggest an investment management for which specific objectives or goalsas assumed by individual investors as described above are set.

Further, when a plurality of such specific objectives is set, it hasalso been difficult to create and suggest a single investment managementplan or portfolio by incorporating a plurality of different targetamounts, management periods, and the like for different objectives intothe single investment management plan or portfolio, and to prepare aplurality of such portfolios and compare and review the preparedportfolios.

The present invention has been proposed to solve the problems inherentin the related art as described above. An object of the presentinvention is to provide an objective achievement portfolio generatingdevice which is capable of generating a single portfolio assuming aplurality of targets as specific objectives or goals for investmentmanagement so as to flexibly satisfy various needs and the like frominvestors, is also capable of generating a plurality of portfolios forthe same objective and easily comparing and contrasting the generatedportfolios, and is suitable for an investment management suggestionsystem and the like for individual investors, and a program and a methodused for the objective achievement portfolio generating device.

Solution to Problem

To achieve the above-mentioned object, an objective achievementportfolio generating device according to the present invention isconfigured as an information processing device that generates portfolioinformation for suggesting investment management for achievement of anobjective set by a customer based on input information. The objectiveachievement portfolio generating device includes: objective displaymeans for displaying predetermined objective information selectable bythe customer through an input operation; interview display means fordisplaying predetermined interview information to which the customer isallowed to respond through an input operation; and portfoliogeneration/display means for generating predetermined portfolioinformation based on the objective information and interview informationthat are selected and responded to through an input operation, andcausing display means of the customer to display the predeterminedportfolio information in a visually recognizable manner. The portfoliogeneration/display means generates portfolio information for suggestinga single investment management corresponding to one or more pieces ofobjective information selected by the customer.

Further, the present invention can be configured as an objectiveachievement portfolio generation program to be executed by the objectiveachievement portfolio generating device in the present invention asdescribed above.

Furthermore, the present invention can also be configured as anobjective achievement portfolio generation method that can beimplemented by the objective achievement portfolio generating device andobjective achievement portfolio generation program according to thepresent invention described above.

Advantageous Effects of Invention

According to the present invention, a single portfolio assuming aplurality of targets as specific objectives or goals for investmentmanagement can be generated.

Further, a plurality of portfolios for the same objective can begenerated and the generated portfolios can be easily, for example,compared and contrasted.

With this configuration, it is possible to provide an investmentmanagement suggestion system and the like, particularly, for individualinvestors, which flexibly satisfy various needs and the like frominvestors.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a block diagram illustrating a configuration of a systemincluding an objective achievement portfolio generating device accordingto an embodiment of the present invention.

FIG. 2 is a flowchart illustrating a procedure for generating aportfolio in the objective achievement portfolio generating deviceaccording to an embodiment of the present invention.

FIG. 3 illustrates a screen for selectably presenting to a user a goallist of specific objects for investment management, as an example of adisplay screen generated and displayed during generating a portfolio inthe objective achievement portfolio generating device according to anembodiment of the present invention.

FIG. 4 illustrates a screen that follows the screen illustrated in FIG.3 and selectably presents a more specific goal list belonging to acategory (real estate) selected from the goal list.

FIG. 5 illustrates a screen that follows the screen illustrated in FIG.4 and prompts the user to input a target amount and an objectiveachievement schedule for the goal selected by the user.

FIG. 6 illustrates a screen that follows the screen illustrated in FIG.5, and displays an input target amount and objective achievementschedule in a recognizable manner and selectably presentsaddition/delete of an objective.

FIG. 7 illustrates a screen that follows the screen illustrated in FIG.6 and displays a goal list similar to that illustrated in FIG. 3 againwhen the addition of an objective is selected.

FIG. 8 illustrates a screen that follows the screen illustrated in FIG.7 and selectably presents a more specific goal list belonging to acategory (automobile) selected from the goal list.

FIG. 9 illustrates a screen that follows the screen illustrated in FIG.8 and prompts the user to input a target amount and an objectiveachievement schedule for a goal that is additionally selected by theuser.

FIG. 10 illustrates a screen that follows the screen illustrated in FIG.9, and displays, in a recognizable manner, an input target amount andobjective achievement schedule for the added goal and further selectablypresents addition/delete of an objective.

FIG. 11 illustrates a screen that follows the screen illustrated in FIG.10 and prompts the user to input interview information by causing theuser to respond to questions about the age and gender of the user.

FIG. 12 illustrates a screen that follows the screen illustrated in FIG.11 and prompts the user to input interview information by causing theuser to respond to a question about the amount of fund for an initialinvestment.

FIG. 13 illustrates a screen that follows the screen illustrated in FIG.12 and prompts the user to input interview information by causing theuser to respond to a question about the amount of a monthly reserveinvestment.

FIG. 14 illustrates a screen that follows the screen illustrated in FIG.13 and prompts the user to input interview information by causing theuser to respond to a question about a period of fund management.

FIG. 15 illustrates a screen that follows the screen illustrated in FIG.14 and prompts the user to input interview information by causing theuser to respond to a question about a percentage of an investment amountwith respect to financial assets held by the user.

FIG. 16 illustrates a screen that follows the screen illustrated in FIG.15 and prompts the user to select a risk tolerance of investmentmanagement.

FIG. 17 is an explanatory diagram illustrating risk determination dataused in the objective achievement portfolio generating device accordingto an embodiment of the present invention; (a) illustrates a definitiontable for risk determination, and (b) illustrates an example of risktolerance estimation performed based on the definition table illustratedin (a).

FIG. 18 is an explanatory diagram illustrating another riskdetermination data used in the objective achievement portfoliogenerating device according to an embodiment of the present invention;(a) illustrates a table of recommended portfolios specified based on anassumed management (risk tolerance) and a management period, and (b)illustrates a table indicating correction values for recommendedportfolios specified in (a).

FIG. 19 illustrates a display screen for presenting an investment plangenerated based on objective information and interview information inputby the user, as an example of a display screen generated and displayedduring generation of a portfolio in the objective achievement portfoliogenerating device according to an embodiment of the present invention.

FIG. 20 illustrates a screen for presenting the portfolio correspondingto the investment plan presented in FIG. 19.

FIG. 21 illustrates a screen for presenting another investment plangenerated by changing the risk tolerance for the investment planpresented in FIG. 19.

FIG. 22 illustrates a screen for presenting the portfolio correspondingto the investment plan presented in FIG. 20.

FIG. 23 illustrates a screen for displaying the entire investment planthat is currently managed, as an example of a display screen generatedand displayed during generation of a portfolio in the objectiveachievement portfolio generating device according to an embodiment ofthe present invention.

FIG. 24 illustrates a screen for displaying the portfolio correspondingto the investment plan that is currently managed and displayed in FIG.23.

FIG. 25 illustrates a screen for displaying an achievement rate at thepresent time for an objective (real estate) in the current investmentmanagement displayed in FIG. 23.

FIG. 26 illustrates a screen for displaying an achievement rate at thepresent time for another objective (automobile) in the currentinvestment management, as in FIG. 23.

FIG. 27 illustrates a screen for displaying a list of objective plansincluding a currently managed objective plan, a currently simulatedobjective plan, and a temporarily stored objective plan as objectiveplans input and set by the user, as an example of a display screengenerated and displayed during generation of a portfolio in theobjective achievement portfolio generating device according to anembodiment of the present invention.

FIG. 28 illustrates a screen for displaying a list of achievement ratesat the present time corresponding to the objective plans illustrated inFIG. 27.

FIG. 29 illustrates a screen for displaying a list of announcementinformation for users, as an example of a display screen generated anddisplayed during generation of a portfolio in the objective achievementportfolio generating device according to an embodiment of the presentinvention.

FIG. 30 illustrates a screen for displaying a list of informationsupplied from a sales company corresponding to objective informationregistered by the user, as an example of a display screen generated anddisplayed during generation of a portfolio in the objective achievementportfolio generating device according to an embodiment of the presentinvention.

FIG. 31 illustrates an example of a case where a customer terminalaccording to the present invention is a smartphone, as an example of adisplay screen generated and displayed during generation of a portfolioin the objective achievement portfolio generating device according to anembodiment of the present invention.

DESCRIPTION OF EMBODIMENTS

An embodiment of an objective achievement portfolio generating deviceaccording to the present invention will be described below withreference to the drawings.

The objective achievement portfolio generating device according to thepresent invention described below is implemented by processing, means,or functions to be executed by a computer according to an instructionfrom a program (software). The program sends a command to each componentof the computer, thereby causing the computer to execute predeterminedprocessing, function, and the like according to the present invention asdescribed below. In other words, the processing, means, and functions inthe present invention are implemented by specific means using a computerin cooperation with programs.

Note that a part or the whole of a program is supplied from, forexample, a magnetic disk, an optical disk, a semiconductor memory, orany other computer-readable recording media, and the program read fromthe recording media is installed in a computer and executed. The programmay be directly loaded into the computer through a communication linewithout using any recording medium, and the loaded program may beexecuted. The objective achievement portfolio generating deviceaccording to the present invention can be configured using a singleinformation processing device (e.g., one personal computer), or aplurality of information processing devices (e.g., a group of aplurality of server computers).

[System Configuration]

FIG. 1 illustrates a system configuration including an objectiveachievement portfolio generating device according to an embodiment ofthe present invention.

A system including the objective achievement portfolio generating deviceaccording to an embodiment of the present invention illustrated in FIG.1 is configured as an investment management suggestion system 1including an investment management assistance server 10, an investmentmanagement application 21 and a financial institution system 22, whichare included in a financial institution 20, a customer terminal 30, asales company device 41 included in a sales company 40, and a financialinstitution backbone system 50.

The investment management assistance server 10, the financialinstitution 20 (investment management application 21, financialinstitution system 22), the customer terminal 30, the sales company 40(sales company device 41), and the financial institution backbone system50, which constitute the investment management suggestion system 1, areconnected to each other via a predetermined network, such as theInternet, so as to be capable of mutual data communication.

[Investment Management Assistance Server 10]

The investment management assistance server 10 is configured using aninformation processing device serving as an objective achievementportfolio generating device according to the present invention thatgenerates portfolio information for suggesting an investment managementfor achieving an objective set by a customer based on input information.

Specifically, the investment management assistance server 10 can beconfigured using a server system composed of, for example, one or two ormore server computers, or one or two or more virtual servers constructedon a cloud computing service.

The investment management assistance server 10 includes an OS (OperatingSystem), a DBMS (Data Base Management System), and the like, which arenot illustrated, and is managed as a server computer.

Further, investment management assistance server 10 includes aninvestment management API 11 that is implemented as software to operateon middleware such as a Web server program.

The investment management API 11 releases and provides availableapplications to one or two or more financial institutions 20 (20 a, 20 b. . . 20 n) in the form of API (Application Programming Interface) via anetwork such as the Internet.

Thus, the financial institutions 20 call the investment management API11 through investment management applications 21 (21 a, 21 b, . . . 21n), which are application programs to be managed for providing aninvestor or a customer (hereinafter referred to as a “user”) withservices, such as a suggestion or advice on an investment management,thereby enabling execution of functions of the objective achievementportfolio generating device according to the present invention.

Further, the investment management assistance server 10 includes aninvestment management assistance data warehouse (DWH) 12 to beimplemented as a database or the like.

The investment management assistance DWH 12 is storage means foracquiring and storing predetermined information necessary for managementof the objective achievement portfolio generating device according tothe present invention.

Specifically, the investment management assistance DWH 12 stores, asvarious information resources, information about investment productssold by each financial institution 20, attribute information about usersof each financial institution 20, history information about accounttransactions, access history information, and the like.

The investment management assistance DWH 12 also stores predeterminedinformation necessary for implementation and management of theinvestment management API 11. Necessary information is read, as needed,when the investment management API 11 is executed, and the informationis stored and updated.

Specifically, information about the portfolio corresponding to the risklevel prepared by the financial institution 20 is stored and held asinformation for each financial institution in the investment managementassistance DWH 12.

Risk determination data, risk correction data, and the likecorresponding to one or two or more portfolios are also stored and heldin the investment management assistance DWH 12 as information for eachfinancial institution (see FIGS. 17 and 18).

Note that the information accumulated in the investment managementassistance DWH 12 as described above can periodically be extracted bydaily processing or the like from, for example, the own financialinstitution system 22 as an accounting system/information systeminformation processing included in the financial institution 20, or thefinancial institution backbone system 50 for providing the accountingsystem/information system information processing to the plurality offinancial institutions 20. The extracted information can, then, beacquired and accumulated by the investment management assistance DWH 12(see FIG. 1).

Further, when the own information processing system, an externalbackbone system, or the like with which the financial institutions 20can cooperate is not included, various information can be, for example,manually registered and accumulated in the investment managementassistance DWH 12. In addition, for example, performance informationsuch as the past price movement or rating for each brand may be acquiredfrom an external data source and the acquired information may beaccumulated. The information accumulated in the investment managementassistance DWH 12 can be acquired and referenced in another program(e.g., the investment management application 21 of the financialinstitution 20) via the investment management API 11.

The investment management API 11 included in the investment managementassistance server 10 as described above is specifically configured tofunction as an objective display means 13, interview display means 14,portfolio generation/display means 15, and customer informationtransmission means 16 as illustrated in FIG. 1.

The objective display means 13 is means for displaying predeterminedobjective information selectable by the user or the like through aninput operation.

The interview display means 14 is means for displaying predeterminedinterview information to which the user or the like can respond throughan input operation.

The portfolio generation/display means 15 is means for generatingpredetermined portfolio information based on the objective informationand interview information which is selected and responded to through aninput operation and displaying the predetermined portfolio informationon display means of the user in a visually recognizable manner. Inparticular, the portfolio generation/display means 15 is configured togenerate portfolio information for suggesting a single investmentmanagement corresponding to a plurality of pieces of objectiveinformation selected by the user or the like.

The term “portfolio information” used herein refers to investmentmanagement information to be presented for user investment management.Examples of the portfolio information include a graph or tablerepresenting an investment plan for allowing a target amount to beachieved on or before an objective achievement due date, and a graph ortable representing a combination of financial products and the ratiothereof when assets are distributed to a plurality of financial productsfor investment (see FIGS. 19 to 22 etc.).

The customer information transmission means 16 is means for transmittingpredetermined information about the user or the like associated with thegenerated portfolio information to the sales company device 41 of thesales company 40 to be described below as an external device related toat least of the plurality of pieces of objective information included inthe portfolio information generated by the portfolio generation/displaymeans 15 described above.

The specific functions and operations of each means implemented by theinvestment management API 11 will be described below with reference to adisplay screen example output and displayed to the customer terminal 30(see FIGS. 2 to 31).

[Financial Institution 20, Financial Institution Backbone System 50]

Each financial institution 20 is a financial institution, an investmentcorporation, or the like, such as a bank or a securities firm, andincludes an information processing device to be connected to theinvestment management assistance server 10 so as to be capable of mutualdata communication. The information processing device implements andmanages the investment management application 21.

In the example illustrated in FIG. 1, the investment managementapplications 21 a, 21 b, . . . 21 n can manage the plurality offinancial institutions 20 a, 20 b, . . . 20 n, respectively.

In each financial institution 20, an application supplied from theinvestment management API 11 of the investment management assistanceserver 10 described above can be executed through the investmentmanagement application 21. Thus, each financial institution 20 calls theinvestment management API 11 through the investment managementapplication 21 (21 a, 21 b, . . . 21 n) as an application program forproviding a suggestion, advice, or the like on an investment managementfor its own user, thereby enabling execution of functions of theobjective achievement portfolio generating device according to thepresent invention.

Further, each financial institution 20 includes its own financialinstitution system 22, or the external financial institution backbonesystem 50 stores and manages information about investment products soldby each financial institution 20, attribute information about users ofthe financial institution 20, history information about accounttransactions, access history information, and the like.

In the example illustrated in FIG. 1, a financial institution A20 a anda financial institution B20 b include their own financial institutionsystem A22 a and financial institution system B22 b, respectively, and afinancial institution N20 n includes the external financial institutionbackbone system 50.

The financial institution system 22 and the financial institutionbackbone system 50 are each configured as an accountingsystem/information system information processing system included in thecorresponding financial institution 20.

Further, the financial institution backbone system 50 is configured andmanaged by a huge server system group owned by an information systemcompany so-called a system integrator which undertakes, for example, thefinancial institution data system management as an operation in responseto a demand of outsourcing of one or two or more financial institutionsand. As the financial institution backbone system 50, a securities coresystem (STAR (registered trademark)) and bank financial productintermediation system (BESTWAY (registered trademark)) which are managedby NOMURA RESEARCH INSTITUTE, LTD., and the like are known.

[Customer Terminal 30]

The customer terminal 30 is an information processing device that can beused by the user (customer, investor) of the financial institution 20and is composed of, for example, a PC, a mobile terminal, or asmartphone (see FIG. 31) owned by the user, or a PC or a dedicatedterminal device installed in the financial institution 20.

The user operates the customer terminal 30 to access and start theinvestment management applications 21 (21 a, 21 b, . . . 21 n) providedby the financial institutions 20 (20 a, 20 b, . . . 20 n), respectively,thereby making it possible to call the investment management API 11 ofthe investment management assistance server 10 through the investmentmanagement application 21 and executing and using the functions andservices provided by the objective achievement portfolio generatingdevice according to the present invention.

In this manner, the user according to this embodiment uses the customerterminal 30 to access the investment management application 21, which iscomposed of a web application or the like provided by the financialinstitution 20 used by the user via the Internet, thereby enabling useof portfolio construction/management services.

However, the configuration of this embodiment is not limited theconfiguration described above. For example, a configuration in which theinvestment management application 21 is introduced into the customerterminal 30 and the investment management server corresponding to theinvestment management application 21 is introduced into each financialinstitution may be employed. In this case, the investment managementapplication 21 of the customer terminal 30 accesses the investmentmanagement assistance server 10 through the investment management serverof the corresponding financial institution.

For example, the application corresponding to the investment managementapplication 21 is introduced into the information processing terminal,such as a PC, which is owned by the user, to directly access theinvestment management assistance server 10 without passing through thefinancial institution 20, thereby enabling use of a portfolioconstruction service.

[Sales Company 40]

The sales company 40 is a company that provides and sells products,services, and the like as objectives or goals of investment management,such as a real estate company, an imported automobile dealer, or acondominium developer. The sales company 40 includes sales companydevices 41 as information processing devices connected to the investmentmanagement assistance server 10 so as to be capable of mutual datacommunication.

In the example illustrated in FIG. 1, the plurality of sales companies40 a, 40 b, . . . 40 n includes sales company devices 41 a, 41 b, . . .41 n, respectively.

Further, predetermined information about the user associated with thegenerated portfolio information is transmitted from the investmentmanagement assistance server 10 to the sales company device 41 of eachsales company 40 related to a plurality of pieces of objectiveinformation included in the portfolio information generated by theportfolio generation/display means 15 of the investment management API11.

For example, when the user whose objective is to purchase a real estateor an imported automobile in the future performs the portfoliogeneration or the like for achieving the objective on the investmentmanagement assistance server 10, information about the user istransmitted and notified to the sales company device 41 of the salescompany 40, which is the relevant real estate company or automobiledealer, and information, such as, the name, address, phone number, mailaddress, target product, target amount of money, and target amount isprovided.

As a result, the sales company 40 that has received the user informationcan perform promotion activities, such as promotion and advertising, onthe user (see FIG. 30).

Note that the transmission and provision of user information to thesales company 40 are executed after the user's permission oracknowledgement is received in advance.

As the user information provided to the sales company 40, only specificinformation (e.g., mail address) can be provided by the user'sselection, setting, or the like, and important information, such as anaddress or phone number, is prevented from being provided.

[Operation]

A specific operation (objective achievement portfolio generation method)of a system including the objective achievement portfolio generatingdevice according to this embodiment having the configuration asdescribed above will be described with reference to FIGS. 2 and 3 to 31.

FIG. 2 is a flowchart illustrating an example of an operation of asystem including the objective achievement portfolio generating deviceaccording to this embodiment.

The following operation is executed and managed by the investmentmanagement API 11 (objective display means 13, interview display means14, portfolio generation/display means 15, customer informationtransmission means 16), which is read out from the customer terminal 30through the investment management application 21, and the investmentmanagement assistance DWH.

First, the user operates the customer terminal 30 to access theinvestment management application 21 (21 a, 21 b, . . . 21 n) providedby the financial institution 20 (20 a, 20 b, . . . 20 n) with which theuser does business. In this case, the user inputs a user ID or passwordassigned to the user, thereby enabling the user to log in the investmentmanagement application 21.

The investment management API 11 of the investment management assistanceserver 10 is called through the logged-in investment managementapplication 21, and functions and services provided by the objectiveachievement portfolio generating device according to the presentinvention can be used as follows.

As illustrated in FIG. 1, a goal list is displayed as objectiveinformation according to the present invention on the customer terminal30 which has logged in the investment management application 21 (step01).

As the goal list, for example, a display screen as illustrated in FIG. 3is presented.

In the example illustrated in FIG. 3, seven items, i.e., real estate,automobile, travel, hobby, life event, retirement, and savings, aredisplayed as objective information selectable by the user through aninput operation on the customer terminal 30. Accordingly, the user canselect any one of the pieces of objective information as a goaldepending on the objective and purpose of the user's investmentmanagement (step 02).

When any one of the goals (objective information) is selected accordingto a user's input operation, as illustrated in FIG. 4, a more specificgoal list belonging to the selected category is selectably presented.

In the example illustrated in FIG. 4, when the user selects “realestate” from the goal list illustrated in FIG. 3, eight items includingcondominium, detached house, and cottage depending on the price,location, and the like are displayed as a more specific real estate.Accordingly, the user can select any one of the pieces of real estateinformation as a more specific object or goal of the user's investmentmanagement (step 02).

When the specific goal (real estate) is selected according to a user'sinput operation, then, as illustrated in FIG. 5, a screen for setting avalue objective for the selected goal is displayed (step 03).

In the example illustrated in FIG. 5, when the user selects the goal“condominium/Tokyo metropolitan area/50,000,000 yen” from the screenillustrated in FIG. 4, the content of the selected goal is displayed anda screen for causing the user to input the target amount and objectiveachievement schedule for the goal (condominium) is displayed. Thisembodiment illustrates an example in which the user inputs “targetamount: 10,000,000 yen”, “objective achievement schedule: eight yearsand zero months”.

In a lower field of the display screen, select buttons (icons)indicating “add an objective” and “enter”, respectively, are displayed,and the subsequent processing is executed according to a user's inputoperation.

When the user inputs the target amount/objective achievement scheduleitem and selects “enter”, as illustrated in FIG. 6, the input targetamount and objective achievement schedule are displayed to enable theuser to check the target amount and objective achievement schedule and ascreen for presenting the addition/delete of an objective is selectablydisplayed.

Specifically, in a right end field for a displayed targetamount/objective achievement schedule, a select button (icon) “DELETE”is displayed and the already input objective information can be deletedaccording to a user's input operation.

In a lower field of the display screen, select buttons (icons)indicating “add objective” and “proceed with the investment plan forthis objective” respectively are displayed and the subsequent processingis executed according to a user's input operation. Accordingly, the usercan arbitrarily add an objective on his/her own choice or judgement.After completion of the objective setting, the processing may proceed tothe subsequent investment plan creation processing.

A case where the user selects “add objective” will now be described.

When the user selects “add objective” on the screen illustrated in FIG.6, as illustrated in FIG. 7, a screen for selectably displaying aplurality of pieces of objective information is presented again. Thescreen illustrated in FIG. 7 is the same as the screen illustrated inFIG. 3 described above.

Accordingly, the user can select any one of the pieces of objectinformation as an additional objective or goal (step 02). For example,the user can also select “real estate” again as an additional objective(see FIGS. 3 and 4) and can also select other objectives.

A case where the user selects “automobile” as a second objective willnow be described.

When the goal (automobile) is selected according to a user's inputoperation, as illustrated in FIG. 8, a more specific goal list belongingto the selected category is selectably presented.

In the example illustrated in FIG. 8, since the user selects“automobile” from the goal list illustrated in FIG. 7 (FIG. 3), aplurality of (eight) automobiles of different manufacturers, automobiletypes, and the like is displayed as more specific automobiles.Accordingly, the user can select any one of the pieces of automobileinformation as the user's object or goal (step 02).

When “automobile” is selected as a specific goal according to a user'sinput operation, then, as illustrated in FIG. 9, a screen for setting avalue object for the selected goal is displayed (step 03), as in thecase of FIG. 5 described above.

In the example illustrated in FIG. 9, when the user selects the goal“Mercedes-Benz C-Class, C450AMG4MATIC, X780,000 yen” from the screenillustrated in FIG. 8, the content of the selected goal is displayed anda screen for prompting the user to input the target amount and objectiveachievement schedule for the goal (automobile). A case where the userinputs “target amount: 20,000,000 yen”, “objective achievement schedule:four years and zero months” will now be described.

When the user inputs the item for the target amount/objectiveachievement schedule and selects “enter”, as illustrated in FIG. 10, theinput target amount and objective achievement schedule are displayed soas to enable the user to check the target amount and objectiveachievement schedule and a screen for selectably presenting the additionand deletion of the objective is displayed.

In this case, a plurality of pieces of objective information isdisplayed in parallel on the same screen so that the user can check allthe first objective information (real estate) previously selected andinput and the second objective information (automobile).

Also, at this stage, the user “deletes” the already input objectiveinformation according to a user's input operation, as in the caseillustrated in FIG. 6 described above, and the user can select “addobjective” and “proceed with the investment plan for this objective” inthe lower field of the display screen.

A case where the user selects “proceed with the investment plan for thisobjective” will now be described.

When the user selects “proceed with the investment plan for thisobjective”, the already input or set one or two or more pieces ofobjective information (two pieces of objective information “real estate”and “automobile” in the example described above) are registered as asingle or common goal (step 04).

This registered information is stored and held as information for eachuser in the investment management assistance DWH 12 of the investmentmanagement assistance server 10 through the customer terminal 30 and theinvestment management application 21.

Accordingly, the user who has registered the objective information canread out one or two or more pieces of objective information, which isset and registered by the user, at any timing thereafter and can referto, process, or change the objective information.

Note that the user may perform only the objective information goalregistration (step 04). In this case, the processing returns to step 01(FIG. 2) illustrated in FIGS. 3 and 7 described above, therebyeliminating the need for generating an investing plan or portfolio asdescribed below and inputting and responding to interview informationfor generating an investing plan or portfolio.

In this case, the previously registered objective information can beread out and used to generate an investment plan or portfolio later.

When the objective information is registered (step 04) and theprocessing proceeds to the subsequent investment plan/portfoliogeneration processing, a plurality of display screens on which the usercan respond through an input operation as information interviewaccording to the present invention is displayed on the customer terminal30.

The user responds through an input operation according to the displayscreens, thereby conducting an interview for investment (step 05).

Examples of the interview information to which the user is respondedinclude individual attribute information such as the age, gender,initial investment amount, a monthly reserve investment amount, and risktolerance. When the user is asked questions about these pieces ofinformation, responses are made to the questions and the responses arecollected.

Specifically, in this embodiment, for example, display screens asillustrated in FIGS. 11 to 16 are presented as interview informationdisplay screens. The plurality of screens transit to the subsequentscreen after a response to the interview information on the precedingscreen is input and completed, and the screen can be returned to thealready responded screen through a user's operation “return to theprevious question”.

First, a screen for prompting the user to respond to questions abouthis/her age and gender on the screen illustrated in FIG. 11.

When a response is made on the screen illustrated in FIG. 11 and “next”is selected, a screen for responding to the amount of an initialinvestment fund is displayed on the screen illustrated in FIG. 12.

When a response is made on the screen illustrated in FIG. 12 and “next”is selected, a screen for responding to the amount of a monthly reserveinvestment is displayed on the screen illustrated in FIG. 13.

When a response is made on the screen illustrated in FIG. 13 and “next”is selected, a screen for making a response about the period for fundmanagement is displayed on the screen illustrated in FIG. 14.

When a response is made on the screen illustrated in FIG. 14 and “next”is selected, a screen for making a response about the percentage of theinvestment amount with respect to the held financial assets is displayedon the screen illustrated in FIG. 15.

In the example illustrated in FIG. 15, the amount of investment assumedby the user can be selected from five options, i.e., 10% or less, 30% orless, 50% or less, more than 50%, and 100% of the financial assets heldby the user.

Specifically, in this embodiment, the user is prompted to respond to aquestion about whether the investment fund estimated and managed usingthe system is 50%, 10%, or 100% of the financial assets held by theuser. Responding to the question enables change of a risk tolerance tobe described below. For example, the determination may be made in such amanner that, if the investment fund is “100%”, the investment fundcorresponds to the entire financial assets held by the user, it isconsidered better to avoid risk and thus the risk tolerance is set to alower value, whereas if the investment fund is “10%”, it is consideredbetter to take a risk and thus the risk tolerance is set to a highervalue.

Further, responding to the question as described above enablesestimation and recognition of the amount of other financial assets heldby the user. For example, services or suggestions for, for example,encouraging the user who has returned a response “10%” to furtherincrease the amount of investment can be made.

When a response is made on the screen illustrated in FIG. 15 and “next”is selected, a screen for prompting the user to select the risktolerance of the investment management is displayed on the screenillustrated in FIG. 16.

In the example illustrated in FIG. 16, five risk levels A to E arepresented as risk levels (tolerances) that can be allowed by the userand the user can select any one of the risk levels.

This example illustrates the upper limit and the lower limit ofmanagement profit and loss when one million yen is managed for one yearfor each of risk levels A to E. The risk level A indicates the case oflowest risk/lowest return, and the risk level E indicates the case ofhighest risk/highest return.

Different portfolios are applied so as to correspond to the risk levelsA to E, respectively.

In other words, in this embodiment, a plurality of portfolios isprepared according to the risk level. Further, the risk levels(portfolios) can be arbitrarily set, for example, 5 levels, 10 levels,or 20 levels, and can be prepared and changed for each financialinstitution 20.

Preferably, a plurality of portfolios is individually prepared for eachfinancial institution 20 according to the risk level and the informationis stored and held in the investment management assistance DWH of theinvestment management assistance server 10 through the financialinstitution system 22 or the financial institution backbone system 50.

Note that a portfolio may be composed of one fund or a plurality offunds, like fund wrap. In addition, other functions, such as Bitcoin orreal estate, may be used as long as a return that is commensurate withthe risk can be obtained.

In this embodiment, a recommended portfolio is extracted and entered asan optimum investment plan for the user from a plurality of portfoliosbased on the risk level (tolerance) selected and allowed by the user andthe interview information to which the user has responded.

A method for entering a risk level (tolerance) and a recommendedportfolio will now be described.

FIG. 17 is an explanatory diagram illustrating risk determination dataused in the objective achievement portfolio generating device accordingto an embodiment of the present invention; (a) illustrates a definitiontable for risk determination, and (b) illustrates an example of risktolerance estimation performed based on the definition table illustratedin (a).

As illustrated in FIG. 17(a), the risk levels can be allocated usingpredetermined points as point allocation according to the interviewinformation obtained from the user, e.g., the age, gender, initial fund,monthly reserved amount, management core, held total assets, and assumedmanagement result (a portfolio type based on a risk tolerance) of theuser.

Further, the risk tolerance recommended for each user can be calculatedand determined based on the definition table as described above.

Specifically, as illustrated in FIG. 17(b), for example, if informationabout the user includes age: thirties, gender: male, initial fund: lessthan one million yen, monthly reserved amount: less than ten thousandyen, management period: within three years, held total assets: onemillion yen or more and less than five million yen, assumed managementresult (risk tolerance): portfolio D, total points are “55”. For thepoint allocation result, “5” can be allocated as a determination result(risk tolerance). Accordingly, the portfolio corresponding to the risktolerance “5” can be presented to the user as a recommended portfolio.

Note that the type of the determination result (risk tolerance) to beallocated can be arbitrarily set with respect to the total points basedon the determination table as described above.

For example, the risk level may be set to the level “5”, the level “10”,or the level “20” for each financial institution, or depending on thenumber or type of prepared portfolios. A method for calculating the risklevel from the total points can be arbitrarily determined depending onthe risk levels.

Further, a recommended portfolio can be selected using data asillustrated in FIG. 18.

FIG. 18 is an explanatory diagram illustrating another riskdetermination data used in the objective achievement portfoliogenerating device according to an embodiment of the present invention;(a) illustrates a table of recommended portfolios specified based on anassumed management (risk tolerance) and a management period, and (b)illustrates a table indicating correction values for recommendedportfolios specified in (a).

In the example illustrated in FIG. 18(a), one of the portfolios 1 to 10can be extracted and specified from the assumed managements A to E (risktolerances) selected by the user and the management periods assumed bythe user. The portfolios 1 to 10 illustrated herein are allocated insuch a manner that a risk becomes higher as the number increases. Theportfolio “1” has a lowest risk (low risk, low return) and the portfolio“10” has a highest risk (high risk, high return).

Note that the assumed managements A to E (risk tolerances) selected bythe user are used herein, but instead a list of risk tolerances andmanagement periods obtained in FIG. 17(b) described above can be used.

Further, correction values are applied to the specified portfolio, forexample, for each gender or age of the user, or for each investmentratio to the total assets, as illustrated in FIG. 18(b), therebyextracting a final recommended portfolio.

For example, for the user of gender/age: male/thirties, assumedmanagement (risk tolerance): D, and the management ratio to the heldtotal assets: 25-50%, the portfolio “5” is extracted as illustrated inFIG. 18(a) and correction values “+1” and “0” are applied to theportfolio as illustrated in FIG. 18(b), thereby making it possible topresent the portfolio “6” as a recommended portfolio.

Note that the content of an item or question in which the risk toleranceis corrected as illustrated in FIG. 18(b) can be flexibly set andchanged.

The data and table for determining the risk tolerance and recommendedportfolio as described above can be prepared for each financialinstitution and preliminarily stored in the investment managementassistance DWH 12 of the investment management assistance server 10.

Further, the investment plan/portfolio based on the recommendedportfolio selected as described above is generated and is displayed asan investment & consumption plan suggested to the user (step 06).

The generation of portfolio information including the investmentplan/portfolio is executed by portfolio generation/display means of theinvestment management API 11.

FIG. 19 illustrates a display screen that is generated based on theobjective information and the interview information input by the user.The content of the target amount corresponding to FIGS. 3 to 8 describedabove is recommended and suggested to the user having the real estate:ten million yen and an automobile: the total amount of twelve millionyen including two million yen, the estimated objective achievement date:after eight years and zero months from the present time, i.e., February2024, the initial investment amount: four million yen, the monthlyreserve investment amount: fifty thousand yen, and the risk level: 3.

As is obvious from FIG. 19, a single investment management plan ispresented to a plurality of objectives (real estate, automobile) as theinvestment plan that is used as portfolio information generated andpresented in this embodiment. Specifically, the assets are increased forfour years from the start of the management, and if an automobile, whichis one of the plurality of objectives, is purchased four years later,i.e., in February 2020, the assets will temporarily decrease and thenincrease again. The target amount of ten million yen for purchasing thereal estate, which is another one of the objectives, can be achieved inFebruary 2022, which is about two years earlier than the final objectiveachievement schedule.

In this manner, a single (common) investment plan is generated andpresented for a plurality of specific objectives and goals set by theuser, thereby enabling the user to obtain the future investmentmanagement plan in a recognizable and simple form and increasing anincentive to the investment and investment management.

In addition, the portfolio corresponding to the investment planillustrated in FIG. 19 can be displayed (step 07).

Specifically, when a select button (icon) “portfolio” in a lower rightfield of the investment plan display screen illustrated in FIG. 19 isselected, as illustrated in FIG. 20, the portfolio indicating adistributed investment ratio and the like of a plurality of financialproducts for realizing the investment plan is displayed. This enablesthe user to display and check the specific investment distribution ratioand the like in a simple and recognizable form for the investmentmanagement presented as the investment plan.

Further, based on the presented investment plan/portfolio describedabove, an actual buying instruction or simulation can be carried out(step 08).

The buying instruction can be carried out by transmitting a message onthe system from the investment management assistance server 10 to thefinancial institution system 22 of the financial institution 20 and thefinancial institution backbone system 50 (the above-mentioned securitiescore system, bank financial products intermediation system, and thelike).

A simulation is carried out by virtually performing investmentmanagement without actually investing money, i.e., without carrying outthe buying instruction, based on the generated investmentplan/portfolio.

The simulation and the setting content (scenario) for which theinvestment management is actually performed are registered and stored inthe investment management assistance DWH of the investment managementassistance server 10.

Accordingly, the management on simulations can be switched to the actualinvestment management, and the actual investment management can bereplaced by the management on simulations.

Further, the registered and stored scenario can be copied and the copycan be used to generate another investment plan/portfolio. For example,the content of the copied scenario can be appropriately corrected by theuser. For example, a plan change, such as changing of only the risktolerance, or changing of the objective achievement period, can be made.

Specifically, for example, when a scenario 1 and a scenario 2 (anothersuggested scenario with a risk tolerance different from that of thescenario 1) created in March 2016 are set and registered, the scenario 1created at that time is selected and the user compares the scenario 1with the scenario 2 two years later, i.e., in March 2018. In a casewhere the performance in the scenario 1 is superior than the performancein the scenario 2 and the objective is already reached, the user canperform the management by switching the scenario 1 to the scenario 2 asof March 2018. In the case described above, not only the completeswitching from the scenario 1 to the scenario 2, but also transfer ofhalf the management assets to the scenario 2 can be performed, whilehalf the management assets are left in the scenario 1.

Further, such an investment plan/portfolio can be presented and releasedto a person other than the user.

For example, only the risk tolerance can be changed based on thescenario of the investment plan/portfolio illustrated in FIGS. 19 and20.

Specifically, FIG. 21 illustrates that the investment plan presented inFIG. 19 is regenerated by changing the risk tolerance “3” to the risktolerance “5”. When the risk tolerance is changed from “3” to “5”, theinvestment risk increases, but a period required for objectiveachievement can be reduced. FIG. 22 illustrates a screen for presentingthe portfolio corresponding to the investment plan illustrated in FIG.20.

The risk tolerance can be changed and adjusted by sliding and moving arisk level display indicated in a lower left field in the display screenillustrated in FIGS. 19 and 21 from side to side while operating aninput device such as a mouse.

Thus, in the present invention, a plurality of pieces of portfolioinformation having different investment management contents can begenerated as portfolio information for suggesting a single investmentmanagement corresponding to a plurality of pieces of objectiveinformation selected by a user.

Further, the already generated portfolio information can be regeneratedas another portfolio information with a different investment managementcontent according to a user's input operation.

Furthermore, the already generated portfolio information can be copiedfor generation of another portfolio information.

Accordingly, the user changes, for example, the risk tolerance for theobjective set once, to thereby enable generation of a plurality ofportfolios for the same objective by changing the content, and the usercompares and reviews the portfolios, thereby making it possible to, forexample, review the plan.

In this embodiment, the investment plan/portfolio currently beingmanaged can also be generated and displayed as needed.

FIG. 23 illustrates a screen for displaying the entire investment planwhich is currently managed and for which the investment management isactually started based on the investment plan/portfolio generated with acontent (scenario) similar to that illustrated in FIGS. 19 and 20described above.

FIG. 24 illustrates a screen for displaying the portfolio correspondingto the investment plan which is currently managed and displayed in FIG.23.

FIGS. 25 and 26 each illustrate a screen for displaying an achievementrate at the present time for one objective which is currently underinvestment management and displayed in FIG. 23. FIG. 25 illustrates theachievement rate for “real estate”, and FIG. 26 illustrates theachievement rate for “automobile”.

Further, a simulation can be performed on the investment plan/portfoliocurrently managed by changing, for example, only the risk tolerance asdescribed above, and the portfolio and investment plan obtained as aresult of simulation can be compared and contrasted with the portfolioand investment plan actually managed.

FIG. 27 illustrates a screen for displaying a list of objective plansfor a certain user, including a currently managed objective plan, acurrently simulated objective plan, and a temporarily stored objectiveplan as a scenario registered and stored as an objective plan input andset by the user.

FIG. 28 illustrates a screen for displaying a list of achievement ratesat the present time of an objective plan being managed, an objectiveplan being simulated, and an objective plan being temporarily storedcorresponding to FIG. 27.

Thus, this embodiment is configured not only to simply present therecommended investment plan/portfolio, but also to simultaneouslygenerate and display data being actually managed and data on simulationsand, for example, compare and contrast the data.

As a result, for example, data actually managed for investment can bereplaced by data managed on simulations.

Thus, in the present invention, a plurality of pieces of portfolioinformation having different investment management contents can begenerated as information that can be displayed on the same screen of thedisplay means of the customer terminal 30 of the user.

This configuration enables the user to check the current managementcontent, as needed, and to, for example, easily change and review theplan, so that flexible measures can be taken depending on the currentstatus or trend, such as the market or market price.

Further, in this embodiment, predetermined information about the userassociated with portfolio information generated as described above istransmitted to the sales company device 41 of the sales company 40related to at least one of a plurality of pieces of objectiveinformation (real estate, automobile, and the like) included in theportfolio information.

In this case, as for a transmission timing of the predeterminedinformation to the sales company device 41 of the sales company 40, thepredetermined information may be transmitted by the user at any timing,or may be transmitted when the achievement degree with respect to theobjective information or the management record with respect to thecurrent objective reaches a predetermined threshold.

Further, the sales company 40 may be configured not only to simplyreceive the predetermined information about the user, but also to becapable of accessing to the system, extracting a user corresponding to asearch condition, and transmitting promotion and advertising to theextracted user (however, information capable of specifying the user isnot output).

With this configuration, the sales company 40 can promptly obtaininformation about, for example, a user who is considering to purchase areal estate, or a user who is considering to renew a user's automobile,and thus effectively perform promotion and advertising for the user.

For example, an automobile sales company that has a major change of acertain type coming up can access the system and extract users who haveset, as an objective, the automobile type and/or an automobile typesimilar to the automobile type (conditions, such as a target amountachievement rate and a management amount, can also be added). With thisconfiguration, the user can be informed of a change in the price of theautomobile in accordance with the major change. Some users change theprice, so that the current management amount reaches the amount toachieve the objective. Thus, the target amount may be automaticallychanged.

FIGS. 29 and 30 illustrate examples of services and information providedto the user who uses the system. FIG. 29 illustrates a screen fordisplaying a list of announcement information about the investmentmanagement provided from the financial institution 20. FIG. 30illustrates a screen for displaying a list of information provided fromthe sales company corresponding to the objective information registeredby the user.

Note that, as for the transmission of user information to the salescompany device 41 of the sales company 40, the user information can betransmitted to the sales company device 41 of the sales company 40 fromthe customer information transmission means 16 of the investmentmanagement assistance server 10 at a goal registration timing (FIG. 2:step 04) when, for example, the investment plan/portfolio informationdescribed above is generated, after gaining permission or approval ofthe user.

As an offer for promotion and advertising or the like from the salescompany 40, the offer can be sent from the sales company 40 as a productprovider in accordance with the content of the goal selected by the userin any of the modes of goal registration (FIG. 2: step 04), simulation(FIG. 2: step 08), and actual investment management (FIG. 2: step 08).

Examples of the offer from the sales company 40 include announcements(such as latest information or events) and privileges (such as discountcoupons or campaigns) from the sales company 40 as a product provider.

Note that the embodiments described above illustrate a case whereinformation is displayed on display means with a relatively largescreen, such as a display of a PC, as an example of display screens(FIGS. 3 to 17 and 19 to 30) output and displayed on the customerterminal 30.

However, the display screens generated and displayed in the presentinvention may be displayed on display means with a relatively smallscreen, such as display means of a mobile phone or a smartphone.

FIG. 31 illustrates an example of a display screen when the customerterminal 30 is a smartphone.

In this manner, the functions managed by the objective achievementportfolio generating device according to the present invention can beused anytime and anywhere also in a small mobile terminal or the like,and investment management serves with high user-friendliness andavailability for users can be provided.

As described above, according to this embodiment, the investmentmanagement API 11 managed by the investment management assistance server10 constituting the objective achievement portfolio generating deviceaccording to the present invention is provided so that the investmentmanagement API 11 can be displayed and used on the customer terminal 30of the user through the investment management application 21 of thefinancial institution 20.

Further, the user sequentially selects one or two or more display itemsin accordance with the display content of the investment managementapplication 21 displayed on the customer terminal 30, and inputs aresponse to interview information, thereby making it possible togenerate a single portfolio assuming a plurality of targetscorresponding to the objective or goal of the investment management ofthe user and to display and output the portfolio.

Thus, unlike an abstract investment management plan or portfolio havingno specific objective or the like, a realistic portfolio constructed soas to achieve a specific desired goal of the user is presented, whichhelps the user to have a big dream or pleasure for the future, getmotivated for investment, and further increase an incentive to theinvestment and investment management.

Further, a plurality of portfolios corresponding to a specific objectiveor the like can be generated for the same objective by changing thecontent, such as the risk tolerance, and the portfolios can be reviewedby, for example, easily comparing and contrasting the portfolios.

Accordingly, for example, also for the formation of assets currentlymanaged, a plan review or the like can be made based on latest analysisdata or the like, and an investment management suggestion system withhigh user-friendliness and availability for users can be provided.

In this manner, according to one embodiment of the objective achievementportfolio generating device according to the present invention, variousneeds from various investors can be flexibly satisfied. In particular,the objective achievement portfolio generating device according to thepresent invention can be implemented as Fin Tech which is capable ofsuggesting investment management suitable for individual investors whodesire specific and planned investment management depending on the lifestage or the like.

While the present invention has been described above with reference topreferred embodiments, the present invention is not limited to theembodiments described above and can be modified in various ways withinthe scope of the present invention, as a matter of course.

For example, in the embodiments described above, seven items of realestate, automobile, travel, hobby, life event, retirement, and savingsare displayed and provided as objective information according to thepresent invention in the objective/goal display selection item thatbecomes a portal for the generation of a portfolio. However, this isillustrated by way of example only. Alternatively, the objectiveinformation can be changed, added, or reduced. Also, the sales companycan be, for example, changed, added, or reduced, according to theobjective information.

Similarly, the interview information to which the user responds is alsonot limited to that in the embodiments described above, necessaryinterview information can be arbitrarily set and changed.

Further, the display screens that can be displayed and browsed on thecustomer terminal illustrated in the embodiments described above areillustrated by way of example only, and the configuration and content ofeach screen can be arbitrarily set and changed, as a matter of course.

INDUSTRIAL APPLICABILITY

The present invention is applicable to an investment managementsuggestion system for a financial institution or the like to assistoperations for making an advice or suggestion associated with aninvestment for an investor.

REFERENCE SIGNS LIST

-   10 Investment management assistance server-   11 Investment management API-   12 Investment management assistance DWH-   13 Objective display means-   14 Interview display means-   15 Portfolio generation/display means-   16 Customer information transmission means-   20 Financial institution-   21 Investment management application-   22 Financial institution system-   30 Customer terminal-   40 Sales company-   41 Sales company device-   50 Financial institution backbone system

1. An objective achievement portfolio generating device configured as aninformation processing device that generates portfolio information forsuggesting investment management for achievement of an objective set bya customer based on input information, the information processing devicecomprising: objective display means for displaying predeterminedobjective information selectable by the customer through an inputoperation; interview display means for displaying predeterminedinterview information to which the customer is allowed to respondthrough an input operation; and portfolio generation/display means forgenerating predetermined portfolio information based on the objectiveinformation and interview information that are selected and responded tothrough an input operation, and causing display means of the customer todisplay the predetermined portfolio information in a visuallyrecognizable manner, wherein the portfolio generation/display meansgenerates portfolio information for suggesting a single investmentmanagement corresponding to one or more pieces of objective informationselected by the customer.
 2. The objective achievement portfoliogenerating device according to claim 1, wherein the portfoliogeneration/display means generates a plurality of pieces of portfolioinformation of different investment management contents as the portfolioinformation for suggesting a single investment management correspondingto one or more pieces of objective information selected by the customer.3. The objective achievement portfolio generating device according toclaim 2, wherein the portfolio generation/display means generates theplurality of portfolio information of different investment managementcontents as information that can be displayed on the same screen on thedisplay means of the customer.
 4. The objective achievement portfoliogenerating device according to claim 1, wherein the portfoliogeneration/display means generates a plurality of portfolio informationof different investment management contents again about the alreadygenerated portfolio information according to an input operation by thecustomer.
 5. The objective achievement portfolio generating deviceaccording to claim 1, further comprising customer informationtransmission means for transmitting predetermined information about thecustomer associated with the portfolio information to an external devicerelated to at least one of the plurality of pieces of objectiveinformation included in the portfolio information generated by theportfolio generation/display means.
 6. The objective achievementportfolio generating device according to claim 1, wherein the portfoliogeneration/display means creates a copy of the already generatedportfolio information for generation of another portfolio information.7. The objective achievement portfolio generating device according toclaim 1, wherein the interview information includes individual attributeinformation about the customer.
 8. A objective achievement portfoliogeneration program for a computer included in an information processingdevice that generates portfolio information for suggesting investmentmanagement for achievement of an objective set by a customer based oninput information, the objective achievement portfolio generationprogram causing the computer to function as: objective display means fordisplaying predetermined objective information selectable by thecustomer through an input operation; interview display means fordisplaying predetermined interview information to which the customer isallowed to respond through an input operation; and portfoliogeneration/display means for generating predetermined portfolioinformation based on the objective information and the interviewinformation selected and responded to through an input operation, andcausing display means of the customer to display the predeterminedportfolio information in a visually recognizable manner, wherein theportfolio generation/display means is caused to generate portfolioinformation for suggesting a single investment management correspondingto one or more pieces of objective information selected by the customer.9. An objective achievement portfolio generation method using a computerincluded in an information processing device that generates portfolioinformation for suggesting investment management for achievement of anobjective set by a customer based on input information, the objectiveachievement portfolio generation method comprising: an objective displayprocedure for displaying predetermined objective information selectableby the customer through an input operation; an interview displayprocedure for displaying predetermined interview information to whichthe customer is allowed to respond through an input operation; and aportfolio generation/display procedure for generating predeterminedportfolio information based on the objective information and theinterview information selected and responded to through an inputoperation, and causing display means of the customer to display thepredetermined portfolio information in a visually recognizable manner,wherein, in the portfolio generation display procedure, portfolioinformation for suggesting a single investment management correspondingto one or more pieces of objective information selected by the customer.10. The objective achievement portfolio generating device according toclaim 2, wherein the portfolio generation/display means generates aplurality of portfolio information of different investment managementcontents again about the already generated portfolio informationaccording to an input operation by the customer.
 11. The objectiveachievement portfolio generating device according to claim 3, whereinthe portfolio generation/display means generates a plurality ofportfolio information of different investment management contents againabout the already generated portfolio information according to an inputoperation by the customer.
 12. The objective achievement portfoliogenerating device according claim 2, further comprising customerinformation transmission means for transmitting predeterminedinformation about the customer associated with the portfolio informationto an external device related to at least one of the plurality of piecesof objective information included in the portfolio information generatedby the portfolio generation/display means.
 13. The objective achievementportfolio generating device according to claim 3, further comprisingcustomer information transmission means for transmitting predeterminedinformation about the customer associated with the portfolio informationto an external device related to at least one of the plurality of piecesof objective information included in the portfolio information generatedby the portfolio generation/display means.
 14. The objective achievementportfolio generating device according claim 2, wherein the portfoliogeneration/display means creates a copy of the already generatedportfolio information for generation of another portfolio information.15. The objective achievement portfolio generating device according toclaim 3, wherein the portfolio generation/display means creates a copyof the already generated portfolio information for generation of anotherportfolio information.
 16. The objective achievement portfoliogenerating device according to claim 2, wherein the interviewinformation includes individual attribute information about thecustomer.
 17. The objective achievement portfolio generating deviceaccording to claim 3, wherein the interview information includesindividual attribute information about the customer.